--- title: Watercraft & Boat Insurance | Cavik Insurance description: Watercraft insurance from Cavik Insurance helps you compare coverage for boats and watercraft, including liability and damage protection, in NC and SC. --- [![Cavik Insurance](https://www.cavikinsurance.com/hubfs/logo-horizontal-white.webp)](https://www.cavikinsurance.com/) Follow Along [Client Login](https://customerservice.agentinsure.com/EzLynxCustomerService/web/cavik/account/login) - [Home](https://www.cavikinsurance.com) - Insurance Coverage [Homeowner & Rental Insurance](https://www.cavikinsurance.com/homeowners-rental-insurance)[Pet Insurance](https://www.cavikinsurance.com/pet-insurance)[Auto Insurance](https://www.cavikinsurance.com/auto-insurance)[Business Insurance](https://www.cavikinsurance.com/business-insurance)[Watercraft Insurance](https://www.cavikinsurance.com/boat-insurance) - [About](https://www.cavikinsurance.com/about) - [Locations](https://www.cavikinsurance.com/locations) [Leland](https://www.cavikinsurance.com/locations/leland)[Carolina Beach](https://www.cavikinsurance.com/locations/carolina-beach)[Fayetteville](https://www.cavikinsurance.com/locations/fayetteville) - [Blog](https://www.cavikinsurance.com/blog) - [Contact](https://www.cavikinsurance.com/contact) [Get a Quote](https://www.cavikinsurance.com/contact) [910-722-3225](tel:9107223225) [910-722-3225](tel:9107223225) Follow Along [Client Login](https://customerservice.agentinsure.com/EzLynxCustomerService/web/cavik/account/login) [Call](tel:9107223225) Coverage for Boats, Jet Skis, and Life on the Water # Watercraft & Boat Insurance [Get a Quote](https://www.cavikinsurance.com/contact) ![Boat Icon](https://www.cavikinsurance.com/hubfs/Boat%20Icon.svg) ## Coverage for Every Adventure on the Water Watercraft insurance helps protect your equipment, passengers, and liability when you’re out on the waves. Whether you own a boat, jet ski, or yacht, coastal living means hitting the water. Watercraft insurance is designed to protect your investment from theft, damage, and accidents. From liability coverage if an accident occurs to protection for your gear and equipment, we ensure your focus stays on enjoying the journey. States We Deliver Insurance Excellence To: North Carolina | South Carolina | Virginia | Tennessee ![Boat on Boat Ramp](https://www.cavikinsurance.com/hubfs/Boat%20on%20Boat%20Ramp.jpeg) ## What Can **Watercraft Insurance** Help Cover? - ![](https://www.cavikinsurance.com/hubfs/Tow%20truck.svg) Hull and equipment coverage for your boat or jet ski - ![](https://www.cavikinsurance.com/hubfs/Medical%20Care.svg) Liability coverage for bodily injury or property damage - ![](https://www.cavikinsurance.com/hubfs/Moneybag.svg) Medical payments for passengers - ![](https://www.cavikinsurance.com/hubfs/optimal%20wellness-1.png) Protection against uninsured boaters - ![](https://www.cavikinsurance.com/hubfs/Yellow%20Boat%20Icon.svg) Coverage for accessories and specialized gear - ![](https://www.cavikinsurance.com/hubfs/Fuel%20cleanup.svg) Fuel spill cleanup and wreck removal - ![](https://www.cavikinsurance.com/hubfs/hazard.svg) Emergency assistance and towing coverage ![](https://www.cavikinsurance.com/hubfs/raw_assets/public/cavik-insurance-theme/images/decor/wave-watermark-left.png) ![](https://www.cavikinsurance.com/hubfs/raw_assets/public/cavik-insurance-theme/images/decor/wave-watermark-right.png) ## How It Works We make it easy to shop, compare, and secure watercraft insurance so you can enjoy every adventure on the water with confidence. ![](https://www.cavikinsurance.com/hubfs/raw_assets/public/cavik-insurance-theme/images/icons/step-quote.svg) #### Get a Quote Tell us about your watercraft, including type, size, and where you primarily use it. ![](https://www.cavikinsurance.com/hubfs/raw_assets/public/cavik-insurance-theme/images/icons/step-customize.svg) #### Customize Your Coverage Select the level of protection that ensures your boat, liability, and passengers are safe. ![](https://www.cavikinsurance.com/hubfs/raw_assets/public/cavik-insurance-theme/images/icons/step-protected.svg) #### Get Protected Head out on the water knowing you’re covered. [Get a Quote](https://www.cavikinsurance.com/contact) ![Boating for fun](https://www.cavikinsurance.com/hubfs/Boating%20for%20fun.jpeg) ![Cavik Cares](https://www.cavikinsurance.com/hubfs/raw_assets/public/cavik-insurance-theme/images/logo/cavik-cares-logo.png) ## Why Work With Cavik? We compare watercraft coverage options to ensure your boat is protected by an agency that understands the coastal lifestyle. As an independent agency, we do the heavy lifting of shopping for coverage across multiple carriers. We help clarify complex marine insurance terms and find plans that account for how you use your watercraft, giving you clearer, more tailored protection. [Meet Our Team](https://www.cavikinsurance.com/about) ## Compare Watercraft Insurance Quotes Today Get a quote or talk with the Cavik Crew to compare coverage for your boat or watercraft. [Get a Quote](https://www.cavikinsurance.com/contact) ★★★★★ ## Highly Rated by Our Clients [Ask Cavik](https://www.cavikinsurance.com/contact) ## Frequently Asked Questions Does my homeowners policy cover my boat? Generally, it provides very limited coverage. A dedicated watercraft policy provides the specialized protection your boat and liability needs. What is "agreed value" coverage? It is a type of coverage that pays the amount you and your insurer agreed upon if the boat is a total loss, regardless of depreciation. Is towing coverage included? Many policies offer an endorsement for emergency towing and roadside assistance if your boat breaks down. Do I need insurance for a small kayak or canoe? Coverage needs depend on the value and your liability concerns. We can advise if a separate policy is needed or if your homeowners policy suffices. Does coverage apply if I loan my boat to a friend? It depends on the policy terms. We can help you understand "permissive use" clauses. Are my accessories (GPS, fishing gear) covered? Yes, most watercraft policies include coverage for permanent and portable equipment. What is fuel spill liability? It covers the costs associated with cleanup and removal if your boat accidentally spills fuel into the water, which can be legally required. How do I get a watercraft insurance quote? Provide us with the make, model, age, and storage location of your boat, and we will shop the best options for you. ## Follow Cavik ![Cavik at NANC](https://www.cavikinsurance.com/hubfs/raw_assets/public/cavik-insurance-theme/images/social/post-nanc.jpg) ![The Momentum Podcast - Building a Company Culture that Empowers](https://www.cavikinsurance.com/hubfs/raw_assets/public/cavik-insurance-theme/images/social/post-momentum-podcast.jpg) ![Hot dog costume](https://www.cavikinsurance.com/hubfs/raw_assets/public/cavik-insurance-theme/images/social/post-hotdog-dog.jpg) ![Certified Pet Parent Starter Pack](https://www.cavikinsurance.com/hubfs/raw_assets/public/cavik-insurance-theme/images/social/post-pet-starter-pack.jpg) ‹ › [![Cavik Insurance](https://www.cavikinsurance.com/hubfs/logo-stacked-white.webp)](https://www.cavikinsurance.com/) [Get a Quote](https://www.cavikinsurance.com/contact) [Client Login](https://customerservice.agentinsure.com/EzLynxCustomerService/web/cavik/account/login) - Services - [Homeowners & Rental Insurance](https://www.cavikinsurance.com/homeowners-rental-insurance) - [Auto Insurance](https://www.cavikinsurance.com/auto-insurance) - [Watercraft Insurance](https://www.cavikinsurance.com/boat-insurance) - [Business Insurance](https://www.cavikinsurance.com/business-insurance) - [Pet Insurance](https://www.cavikinsurance.com/pet-insurance) - [Our Team](https://www.cavikinsurance.com/about) - [Blog](https://www.cavikinsurance.com/blog) - [Contact](https://www.cavikinsurance.com/contact) Follow Along **Call or Text Now:** [(910) 722-3225](tel:9107223225) |[alexandra@cavikinsurance.com](mailto:alexandra@cavikinsurance.com) *Locations:* [*Leland*](https://www.cavikinsurance.com/locations/leland) [*Carolina Beach*](https://www.cavikinsurance.com/locations/carolina-beach) [*Fayetteville*](https://www.cavikinsurance.com/locations/fayetteville) [Privacy Policy](https://www.cavikinsurance.com/privacy-policy)·[Accessibility Statement](https://www.cavikinsurance.com/accessibility-statement)· Copyright © 2026 · Cavik Insurance | [Made in Wilmington by The Diamond Group](https://www.diamond-group.co/web-design)